feat: unify wallet with real payment methods, full transaction transparency, pay-session-from-wallet

Address wallet feedback: use the clinic's real payment infrastructure,
redesign the tab to match the admin panel, and make every wallet movement
fully auditable.

Backend:
- WalletTransaction: add createdBy (acting user) + createdByName, payment_method,
  reference, status; toArray exposes them (migration Version20260716083939).
- WalletService (Settlement): balance/charge/withdraw + settleSessionFromWallet,
  records actor/method/reason; insufficient balance throws ERR_WALLET_INSUFFICIENT.
- PatientController: charge/withdraw delegate to WalletService and accept
  payment_method/reference; PATCH /session/{uuid} with payment_method=wallet
  debits the patient's final share from the wallet (reference=session:{uuid}).
- docs/api/patient.md updated.

Frontend:
- Wallet modal redesigned to panel style (no gradient); payment method now uses
  the clinic's real bank accounts + POS devices (usePaymentMethods) plus cash.
- Wallet tab: panel balance card + DataTable ledger with columns مبلغ/نوع/روش/
  دلیل/ثبت‌کننده/تاریخ/ساعت/وضعیت + همه/واریزی/برداشت filters.
- Session card «تکمیل پرداخت» opens a payment-method chooser incl. کیف پول.

Tests: backend transparency + session-from-wallet (success/insufficient/cash);
frontend modal (real methods, toman→rials) + wallet tab + settle chooser.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

assets/admin/components/WalletTransactionModal.test.tsx

@@ -1,6 +1,12 @@
 import { describe, it, expect, vi } from 'vitest';
 import { screen, fireEvent } from '@testing-library/react';
 import { renderWithProviders } from '../test/utils';
+
+vi.mock('../lib/api', () => ({
+  api: { get: vi.fn().mockResolvedValue({ success: true, data: [] }), post: vi.fn(), patch: vi.fn(), put: vi.fn(), delete: vi.fn() },
+  ApiError: class extends Error {},
+}));
+
 import WalletTransactionModal from './WalletTransactionModal';
 
 // موجودی نمونه: ۳۰۰٬۰۰۰ ریال = ۳۰٬۰۰۰ تومان
@@ -23,11 +29,11 @@ describe('WalletTransactionModal (شارژ/برداشت کیف پول)', () => {
     expect(screen.getAllByRole('button', { name: /تومان/ }).length).toBe(4);
   });
 
-  it('submits a charge with the amount converted from toman to rials', () => {
+  it('submits a charge with the amount converted from toman to rials and the default cash method', () => {
     const onSubmit = open();
     fireEvent.change(screen.getByPlaceholderText('مبلغ دلخواه (تومان)'), { target: { value: '100000' } });
     fireEvent.click(screen.getByRole('button', { name: 'ثبت تراکنش' }));
-    expect(onSubmit).toHaveBeenCalledWith({ mode: 'charge', amount_rials: 1_000_000 });
+    expect(onSubmit).toHaveBeenCalledWith({ mode: 'charge', amount_rials: 1_000_000, payment_method: 'cash' });
   });
 
   it('submits a withdraw (debit) when the برداشت tab is active and amount is within balance', () => {
@@ -35,7 +41,7 @@ describe('WalletTransactionModal (شارژ/برداشت کیف پول)', () => {
     fireEvent.click(screen.getByRole('button', { name: 'برداشت از کیف پول' }));
     fireEvent.change(screen.getByPlaceholderText('مبلغ دلخواه (تومان)'), { target: { value: '20000' } });
     fireEvent.click(screen.getByRole('button', { name: 'ثبت تراکنش' }));
-    expect(onSubmit).toHaveBeenCalledWith({ mode: 'withdraw', amount_rials: 200_000 });
+    expect(onSubmit).toHaveBeenCalledWith({ mode: 'withdraw', amount_rials: 200_000, payment_method: 'cash' });
   });
 
   it('blocks a withdraw above the balance and shows the insufficient-funds hint', () => {